It's that time of the year when I have a good laugh at the totally insane quotes I receive for my Insurance premium.
As I have over 28 years accident free on motorhomes they say that 10 NCB is the best they can quote for so that's a start. I have been checking everywhere for prices and most appear to go through Aviva but the price difference is off the scale. It surely boils down to how greedy the brokers are with there commision. I have been with The Insurance Factory for two years and have found them very reasonable but I thought I would search elsewhere for prices.
Most offer a good rate but we now have to factor in our sat dish, solar panels etc and wham the premium goes into orbit. Towergate came in with a mouth watering £450 and at the other end of the scale Saga were at £250. Breakdown cover was extra on many but inclusive on some. The C&CC invented a premium of £350 if I fitted an expensive tracker system but nobody else out of 12 tried requested this addition. As expected Comfort appear to be on a level with The Insurance Factory, fair and upfront with everything.
I did try a couple of comparison sites but they just contact the brokers and you are then inundated with phone calls and false promises.
No doubt most of you will have suffered the same yearly habit but after all these years it still fascinates me that they vary so much. The BIG thing to check is how much to change your policy details and what cover do they include for your accessories.
My decision is now down to two, thank goodness, The Insurance Factory or Comfort.
As I have over 28 years accident free on motorhomes they say that 10 NCB is the best they can quote for so that's a start. I have been checking everywhere for prices and most appear to go through Aviva but the price difference is off the scale. It surely boils down to how greedy the brokers are with there commision. I have been with The Insurance Factory for two years and have found them very reasonable but I thought I would search elsewhere for prices.
Most offer a good rate but we now have to factor in our sat dish, solar panels etc and wham the premium goes into orbit. Towergate came in with a mouth watering £450 and at the other end of the scale Saga were at £250. Breakdown cover was extra on many but inclusive on some. The C&CC invented a premium of £350 if I fitted an expensive tracker system but nobody else out of 12 tried requested this addition. As expected Comfort appear to be on a level with The Insurance Factory, fair and upfront with everything.
I did try a couple of comparison sites but they just contact the brokers and you are then inundated with phone calls and false promises.
No doubt most of you will have suffered the same yearly habit but after all these years it still fascinates me that they vary so much. The BIG thing to check is how much to change your policy details and what cover do they include for your accessories.
My decision is now down to two, thank goodness, The Insurance Factory or Comfort.